ISAs: Helping Early Birds to the Juiciest Profits

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Lesley Hankin, Marketing Director, Marketing-hub.co.uk

Early bird ISA investors could be over Â£7000 better off than those who leave their decision until March, according to Fidelity FundsNetwork, yet only one in ten make their move at this time of the year. Using a five step plan, Lesley will outline how you can change that by contacting your own ISA clients simply, cost effectively and with maximum impact, to help as many as possible benefit from the potential which this tax year's increased allowance could bring.

Lesley has a wealth of financial services marketing experience, gained almost entirely in the advisory channel. In a varied career, she has worked for a range of life, pensions, offshore and investment providers - most notably AXA Equity & Law, Framlington and, most recently, M&G - and also spent time with two national IFA firms. Just over three years ago, she joined the team which launched Marketing-hub.co.uk, a business set up to provide free marketing and business development support to financial advisers. Lesley is FPC qualified and holds the Diploma in Marketing.

Join for the latest of our regular updates as we set out our thoughts on the recent events in markets, what effect this has had on performance and how we have positioned the PFS Hawksmoor Vanbrugh Fund and the PFS Hawksmoor Distribution Fund.

From April, investors who used to have to buy annuities may instead be well served by multi-asset income funds. They are easy to understand, accessible and come without the complex and expensive guarantees attached to annuities.

Hear Nicola Rawlinson, client portfolio manager, as she discusses how the JPM Multi-Asset Income Fund aims to produce a regular, attractive level of income, by continually investigating new and alternative sources of income globally.
Please note that questions can be submitted during the webconference.

If you prefer to listen to over the phone please use the appropriate dial in details below. Please note that questions can only be submitted via the online web conference.
Password: 38585
+44 (0)20 3003 2666
0808 109 0700 (UK Toll free)

The webinar will be delivered by Toby Vaughan, Lead Fund Manager for the Atlas Portfolios and Head of Fund Management for Santander Asset Management’s Global Multi-Asset Solutions Team. Toby will talk through the key aspects of his approach with the Atlas Portfolios, the current economic landscape and market conditions, and provide an outlook for 2015, explaining how these factors impact on his investment decisions.

Toby will then be available to answer questions that have been submitted either in advance or live during the webinar.

We each represent 1 in 3 billion+ internet users, a population that represents around 40% of the world’s entire population.

Online fraud continues to increase on ‘the same curve’ with no small part of this attributable to the interception of email and its sometimes sensitive content.

Email volumes continue to grow exponentially with over 182 billion currently sent every day.

Professional Services

The UK government is getting serious about cyber-crime - Keeping the UK safe in cyberspace policy and looking to the professional services sector to lead on the subject.

“Trusted professionals …… are on the front line of cyber-attacks – they are privy to sensitive information (e.g. client lists, personal information, sensitive commercial information about upcoming deals) which might be attractive to criminals/others. They are also well-placed to encourage their clients to take appropriate actions to protect themselves.”

Failure to address this subject can carry significant consequences - the regulators, Law Society / FCA / ICO, take a dim view on those who choose to gamble with their clients most precious of assets, ‘their data / identity’.
It’s estimated that more than 1 in 12 of us might be the subject of fraud whilst winning the lottery carries a probability of 1 in 14 million – or putting it another way
. . . . you are probably a million times more likely to be defrauded than you are to win the lottery !

The Webinar
Panacea and Mailock explore what steps you can take to help address this growing issue, convey value on your clients by offering them a secure communication service - www.BESecureMail.com - that others might neglect to mention and build the all-important trust so fundamental to conducting your business.

With the UK Equity Income sector continuing to dominate fund sales and investor discussion, join Citywire rated Fund Manager Carl Stick, on Thursday 26th February on our live webcast to discuss what next for this popular sector. Carl will examine how his risk based approach to investment continues to be an attractive proposition for clients seeking diversification with a growing income stream.

Put your questions to Carl in advance or during the call using the ‘questions’ tab at the top of the video screen. A recording will be available 'on demand' after the call if you unable to join us at 11am.

Join JPM US Equity Income Fund Client Portfolio Manager, Fiona Harris, as she discusses the how fund’s focus on high quality companies with sustainable dividend yields can provide an ideal way for your clients to share in the attractive long-term returns from the US stock market.

If you prefer to listen to over the phone please use the appropriate dial in details below. Please note that questions can only be submitted via the online web conference.
Password: 38584
+44 (0)20 3003 2666
0808 109 0700 (UK Toll free)

Join manager, Matthew Williams, as he discusses the benefits of unconstrained investing in GEM equities, the latest strategy positioning and the areas of the market where we are currently unearthing the most compelling bottom-up stock ideas.

Two years after the launch of the GEM Equity Unconstrained SICAV, Standard Life Investments launched this strategy in an OEIC structure. The Fund is the latest addition to our unconstrained suite of UK mutual funds and follows the same principles as our highly successful UK, UK Income, Global and American Equity Unconstrained Funds.

If you do not have the facilities to listen online (headphones / speakers) please use the details below:

Tune in to discover how your health impacts your business growth. Heidi Hanna, New York Times bestselling author of "The SHARP Solution: A Brain-Based Approach for Optimal Performance" and the follow-up release "Stressaholic: 5 Steps to Transform Your Relationship With Stress," teaches you how focusing on having enough energy vs having enough time is the key to success.

Value holds centre court in Kevin Murphy and Nick Kirrage's investment strategy for the Schroder Recovery Fund. They aim for the value sweet spot, seeking out companies which appear to be significantly under-priced having suffered a setback.
Join AAA-rated* Kevin and Nick for an update.

The Standard Life Investments' Strategic Bond Fund invests across the broad fixed income spectrum with the aim of delivering investors attractive risk-adjusted returns throughout the economic cycle. Our experienced team takes active allocation decisions, moving between different types of bond, to maximise the investment opportunity.

Join us to hear members of the team discuss recent developments in global fixed income markets and how they have impacted the portfolio, as well as providing an update on our current outlook and some of the opportunities that we are currently exploiting within the fund.

Due to increasing interaction across the fixed income market sub universities Mirabaud's Global Strategic Bond Fund aims to provide a value driven best ideas portfolio using a concentrated and top down thematic approach.

With a robust investment process and active allocation our experienced top quartile managers aim to achieve superior returns with strict attention to capital preservation. Whilst index aware we are not index led and actively manage duration and credit exposure across all business cycles.

The fund looks to exploit opportunities across the full spectrum of fixed income securities, aiming for an attractive level of income, paid out each month.
Join Michael Scott, lead portfolio manager, to hear about the fund and where the team are seeing the best opportunities at the moment.

Through a combination of in-depth research, collation of existing data, reference to case studies and analysis of regulatory pronouncements, the FCA’s own report published in December 2014 could not find any consumer benefit in RDR but still it continues to roll towards the removal of trail commission in 2016.

Amazing but is it true?

Panacea Adviser has teamed up with ‘ThoughtLeadership Live’ and Garry Heath to produce a FREE ‘Bento for One’ webcast to support and educate advisers on the results of the latest Heath Report.

The Heath Report and Panacea Adviser ran a survey at the end of 2014 and beginning of 2015, to understand many of the unintended consequences of RDR and to both inform regarding ongoing regulatory developments and identify what improvements can be made to regulator accountability.

The adviser’s first job is to challenge the client to start protecting and investing. The price of RDR’s commission free world is the removal of that challenge from the common man and with it any independence from the state when in need.

This is RDR’s true dichotomy.
As the Hendrix song goes: "There must be some kind of way out of here, said the joker to the thief”.

But where?

This webcast looks at lessons to be learnt from RDR and will be presented by Derek Bradley, CEO, Panacea Adviser and Garry Heath of The Heath Report who will run through the survey findings looking at unintended consumer detriment, destruction of adviser business values, adviser losses, which firms are likely to be affected and see if there ACTUALLY is a way out of here?

We each represent 1 in 3 billion+ internet users, a population that represents around 40% of the world’s entire population.

Online fraud continues to increase on ‘the same curve’ with no small part of this attributable to the interception of email and its sometimes sensitive content.

Email volumes continue to grow exponentially with over 182 billion currently sent every day.

Professional Services

The UK government is getting serious about cyber-crime - Keeping the UK safe in cyberspace policy and looking to the professional services sector to lead on the subject.

“Trusted professionals …… are on the front line of cyber-attacks – they are privy to sensitive information (e.g. client lists, personal information, sensitive commercial information about upcoming deals) which might be attractive to criminals/others. They are also well-placed to encourage their clients to take appropriate actions to protect themselves.”

Failure to address this subject can carry significant consequences - the regulators, Law Society / FCA / ICO, take a dim view on those who choose to gamble with their clients most precious of assets, ‘their data / identity’.
It’s estimated that more than 1 in 12 of us might be the subject of fraud whilst winning the lottery carries a probability of 1 in 14 million – or putting it another way
. . . . you are probably a million times more likely to be defrauded than you are to win the lottery !

The Webinar
Panacea and Mailock explore what steps you can take to help address this growing issue, convey value on your clients by offering them a secure communication service - www.BESecureMail.com - that others might neglect to mention and build the all-important trust so fundamental to conducting your business.

Tune in to discover how your health impacts your business growth. Heidi Hanna, New York Times bestselling author of "The SHARP Solution: A Brain-Based Approach for Optimal Performance" and the follow-up release "Stressaholic: 5 Steps to Transform Your Relationship With Stress," teaches you how focusing on having enough energy vs having enough time is the key to success.

Join this dynamic duo on The Client Connection! Yuhannes Watts is interviewed by Meridith Elliott Powell on becoming the go-to person in your field. Creating business is about connections and in this can't-miss webinar, you will learn the tools you need to increase your sales pipeline, get a greater ROI and fuel your profits. Grow your business by strengthening your brand!

When looking for income solutions, investors should not forget the importance of making the right asset allocation decision. Stephen Andrews, fund manager of the M&G Episode Income Fund, will discuss the current market outlook and income opportunities.

David Coombs, Fund Manager and Head of Multi-Asset Investments, Rathbones

David will talk about Rathbones; conviction for his risk-targeted approach and the results that it has delivered. Furthermore, he will cover:

- Low inflation and interest rates. Rising risk and falling returns and whether a cautious approach to investment can still work.
- QE in Europe - is it too late?
- The US; having both a premium price and a premium market
- What really matters when managing risk - the shift of focus from volatility to drawdown
- Multi-Asset ideally placed - opportunities for alpha at time of geopolitical risk

James Carrick will highlight the macroeconomic impact and the winners/losers of a cheaper oil price. Justin will then discuss how these views can be reflected in a multi-asset portfolio to drive performance into 2015 and beyond.

Since it made a debut in 2003, LinkedIn has evolved and enhanced its offerings.
Our mindset about how to use LinkedIn, however, has not evolved as quickly as the product.
If you haven’t changed your approach to LinkedIn, you’re missing out on some of the biggest benefits.
This free Webinar will enhance your understanding of this “professional network” and the fundamental benefits to you and your organization, including:
1. Linkedin: Why it’s a critical tool for financial service marketers in 2015
2. Company Brand: How your company profile can make or break you
3. Content: How the most successful companies use content to create their own LinkedIn profile

We are focused on two aspects in our fund positioning:
- The enticing prospects for Asian Equities.
- The bubble that is the UK corporate bond market.

Asian Equities: We favour Asian equities, particularly the developed markets of Hong Kong and Singapore which have better standards of corporate governance but are still exposed to the fast-growth engine of developing Asia. Its economies are becoming more focused on domestic consumption and equity valuations are very attractive.

UK Corporate Bonds: record low yields and compressed spreads put UK corporates in bubble territory. Expensive relative to other asset classes and against history. When the bubble bursts, it will be very costly.

Iain Cunningham, Multi-Asset Fund Manager, will introduce the new fund.

The Schroder Global Multi-Asset Income Fund has been designed to help investors seeking income in the current low growth, low yield environment where traditional sources of income can no longer fulfil their requirements. It aims to provide an attractive, regular and sustainable income without a correspondingly heightened exposure to risk.

Can you do Life Planning on the web as well as an in-person interview? What are the essential elements of a web based Life Planning Service? What is essential for the intimate, personal process of Life Planning to be delivered and how could it be approached through a computerised process?
Receive a free e-book for attending: "Life Planning for you", the companion book to the LifePlanningForYou.com website.

Attendees will learn:
-To what degree can you computerise the Life Planning process within your own firm and is it advisable?
-What are the advantages of having it on the web?
-How to attract clients with web based Financial Life Planning
-How to ask effective, meaningful questions through technology interfaces
-Interpret client responses and understand personal communications over the web
-How to keep the flow of intensive two-way reciprocation using technology

Creating a succession plan is a challenge for any business owner, but if the business is a family business, the issues involved can be significantly compounded by emotional considerations. Listen in while Denise P. Federer, Ph.D., consultant, business coach and behavioral psychologist, addresses some of the significant issues to consider regarding a succession plan, to ensure that owners safeguard the personal and financial future for their clients, employees and family members.

Given the long term characteristics point toward continued growth for emerging markets, their validity as a part of a well-diversified asset allocation is sound. But, against a backdrop of constantly changing dynamics, how does one navigate the myriad of short term opportunities and risks without getting lost in the uncertainty along the way? Here we consider a distinct approach that is void of fundamental analysis and instead relies on a unique approach focusing on the more consistent, long standing characteristics of the asset class and pragmatic implementation. Spoiler alert- volatility is not always your enemy and humanity plays a key role.

Review of 2014: key drivers: elections, geopolitics, oil, strong USD, policy dynamics
What determines our outlook on 2015: Recovery of EM growth, oil price, investor flows, ability of EM governments to build on election outcomes to push structural reforms agenda
Where to invest: depends on the investment horizon:
- Long- local at 6.3% yield, need to be able to sustain interim volatility from EM FX
- If shorter- at 6.3% yield as well, external with a preference for OW quasi-sovereign and corporate; if concerned with duration, target maturity structures can be attractive

Join an online community of financial advisers, featuring presentations from a wide variety of industry experts, the events are divided into four themes – Investment & Economics, Tax & Pensions, Better Business and Client Acquisition & Retention.

This channel sits at the heart of the financial adviser community and hosting video and webinar content, providing tools for users to comment and run regular online surveys with a view to keeping the content relevant and timely.